| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG.,INC | $81K | $108K | $189K | 3.18% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND REGION PO BOX 62937 VIRGINIA BEACH, VA 23466 | TUFTS INSURANCE COMPANY | $31K | $37K | $68K | 2.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $79K | $10K | $89K | 12.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | DELTA SERVICE OF MASSACHUSETTS DBA DELTA DENTAL OF MA | $14K | $6K | $20K | 2.85% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT ST BLDG B STE 205 WARWICK, RI 05403 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.34% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $486 | $6K | 17.63% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 774 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 774 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG.,INC | 945 | $8.5M |
| Dental | DELTA SERVICE OF MASSACHUSETTS DBA DELTA DENTAL OF MA | 1,399 | $692K |
| Vision | VISION SERVICE PLAN | 544 | $112K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 774 | $764K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 774 | $729K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 774 | $729K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 774 | $764K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,399 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.